The difference in our daily habits separates the wealthy from the poor. Our subconscious (second-nature activities) makes up 40% of our waking hours.

That means two out of every five minutes, all day, every day, we operate on autopilot – habits!

But, as Dr. Willie Jolley, media personality and author of the best-selling book, It Only Takes a Minute to Change Your Life, says, “It only takes a minute to change your life. The moment you decide to change your life is your first step to change.”

And as Thomas C. Corley, author of the book, Change Your Habits, Change Your Life, says, “Your daily habits dictate how successful or unsuccessful you will be in life.”

Here’s a 21-Point Habit Checklist for You

1. Dream & Imagine Your Future.
   Write what you dreamed about in five hundred to a thousand words. 61% of the self-made millionaires practice this planning strategy.
2. 2. Discipline Your Mind.
   You become what you think about…all day long.Read, Napoleon Hill’s book, Think and Grow Rich.
3. Set Goals.
   Write your goals down. Make them SMART (Specific, Measurable, Achievable, Realistic, Timebound).
4. Plan Your Day – The Night Before!
   Free your mind. Data dump – on paper.“81% of people w/over $3million in assets keep a ‘to-do’ log.” –Baylor University
5. Up Before Sun Rise.
   Why? “Less distractions. More productive.Examples: President Obama, Richard Branson, Jack Dorsey (Twitter), Kara Goldin (Hint Water).” –Entrepreneur Magazine
6. Listen
   Listen to audios and podcasts while working-out and/or commuting.
7.  Read Instead of Watching TV
   88% of rich people "devote 30 minutes or more each day to self-education or self-improvement reading." They read to acquire or maintain knowledge. –Biographies, Self-help, History
8. Exercise
   76% of the wealthy aerobically exercise 30 minutes or more every day.
9. Network
   You are only as successful as those you associate with.Your network helps you acquire jobs, clients, mentors, and trusted peers!
10. Say “No”
    Billionaire Warren Buffet said, “The difference between successful people and very successful people is that very successful people say, ‘NO’ to almost everything.”
11. Don’t Waste Time
    A repetitious wardrobe enables Mark Zuckerberg to focus on things he thinks are more important, like growing Facebook/Meta.
12. Write Down Your Money Freedom Plan
    5-year, 10-year, 20-year
13. You Must Have Multiple Streams of Income
14. Automate Saving and Investing
    Establish recurring transfers from checking to savings, investments, and retirement accounts.
15. Diversify Your Investment Portfolio
    Wealth is spread across a variety of investments - stocks, mutual funds, ETFs bonds, real estate, etc.
16. Select Financial Advisor(s) Very Carefully!
    75% of millionaires have them.
17. Live Below Your Means
    Spend no more than 25% on housing; 15% on food.
18. Volunteer and Give Generously
    72% of the wealthy volunteer 5 hours or more every month.
19. Get Mentors
    93% of the wealthy who had a mentor, attributed their success to that mentor. Mentors cut your learning curve!
20. Be Adaptable
    Prepare for unexpected expenses.
21. Plan Wealth Transfer with “Must-Have” Documents
    Examples: will, trust, durable power of attorney, health directive. –Suze Orman

“Without commitment, you’ll never start, but more importantly, without consistency, you’ll never finish.” –Denzel Washington

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